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Test Your Knowledge Q&A

How Is My Credit Score Determined?
The FICO 5

Five components make up your credit score. Your payment history and the total amount of your debt are important contributors to your score but are not the only determining factors. The five elements are weighted as follows:

Payment History 35%
Amounts of Debt 30%
Length of Credit History 15%
New Credit 10%
Credit Type Mix 10%

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• Car purchase payment example
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• Using a credit card as an installment loan
• How to calculate the loan payoff month by month
• What happens if you continue to charge on the card?
• What happens if you continue to charge too much on the card?

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